Nebeus review
Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Nebeus lends against security rather than your credit file, so a thin credit history does not stop you applying, and the fixed 4% sits under the 12% seen across the site. Money moves fast, Instant, funds land in the Nebeus EUR Wallet, but the term range is short for a large balance.
Key facts
- Best for
- Borrowing against an asset you already own, with no credit check in the way.
- APR
- 4% (Source, checked September 26, 2026)
- Loan amount
- €100 to €10,000,000 (Source, checked September 26, 2026)
- Term
- 0.03 to 18 months (Source, checked September 26, 2026)
- Arrangement fee
- 1% of loan amount (Source, checked September 26, 2026)
- Credit check
- None (Source, checked September 26, 2026)
- Funding time
- Instant, funds land in the Nebeus EUR Wallet (Source, checked September 26, 2026)
- Rate type
- Fixed (Source, checked September 26, 2026)
- Lender type
- Direct lender (Source, checked September 26, 2026)
- Free early repayment
- No (Source, checked September 26, 2026)
- Origination fee (%)
- 1% (Source, checked September 26, 2026)
- Loan types
- Secured (Source, checked September 26, 2026)
- Credit needed
- Poor (Source, checked September 26, 2026)
- Legal entity
- Rintral Trading SLU (Source, checked September 26, 2026)
- Headquarters
- Spain (Source, checked September 26, 2026)
- Founded
- 2014 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Email (Source, checked September 26, 2026)
- Pricing model
- Fixed rate
- Features
- Same-day funding
- Official website
- nebeus.com
Pros and cons
Pros
- A credit check of none, so poor credit does not stop an application.
- A fixed 4%, under the 12% typical across the site.
- Fast payout, Instant, funds land in the Nebeus EUR Wallet, with same-day funding listed as a feature.
- Amounts run €100 to €10,000,000, so small draws and large secured tickets both fit.
Cons
- Free early repayment is not offered, so clearing the balance before the end of the term carries a cost.
- Support runs on help centre and email only, with no phone line listed.
- Terms run 0.03 to 18, shorter than the 36 months typical on the site.
Ready to try Nebeus?
Scored 8.7 / 10 by BorrowCue.
Who it suits
- Borrowers with a poor credit history who still need cash quickly.
- Anyone holding an asset they are willing to put up as security.
- People in Spain who want a fixed euro rate rather than a variable one.
Who should look elsewhere
- Not Cashspace, whose listed APR runs PHP 12 to PHP 36 against 4% here.
- Not Sofkredit, whose APR runs 10.74% to 18.06%, higher than the 4% charged here.
- Not Creduma ES, which starts at from €12,000 and suits a different borrowing size.
Where it sits among rivals
On APR, Nebeus ranks 50 of 350 brands on the site, putting it among the cheaper listings. On maximum loan amount it sits further back, at 527 of 685, so a bigger borrowing need would mean looking at rivals with higher headline limits.
How Nebeus compares
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Where Nebeus is available
- Available
- Spain
- Licence in Spain
- CNMV (Comision Nacional del Mercado de Valores) - MiCA authorisation, checked September 26, 2026
- Licence in Spain
- Banco de Espana (registration shown on site) (D664), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to borrow from Nebeus?+
Nebeus charges a fixed 4%, under the 12% seen across the site. On top of the interest, an origination fee of 1% of loan amount is charged on the amount you take. Both sit on the same fixed-rate loan, so the total cost is easy to work out before you apply.
Does Nebeus run a credit check?+
No credit check is listed, and a poor credit history is accepted. That is rare next to rivals: only 6.9% of lenders on the site run no check, compared with 72.7% that run a hard check. Approval rests on the security you put up rather than on your file.
How quickly would the money reach me?+
Funding is Instant, funds land in the Nebeus EUR Wallet, so the balance lands in the wallet rather than in a bank account. Fast payout is the norm here, with 82.9% of lenders on the site offering same-day funding and 88.9% in the bad-credit category. Have a plan for the balance before you draw.
Is Nebeus regulated in Spain?+
It holds a CNMV authorisation under MiCA and shows a Banco de Espana registration, D664. Lending runs through Rintral Trading SLU, based in Spain, as a direct lender rather than a broker. The company has traded since 2014.
Can I repay the loan early without a charge?+
Free early repayment is not offered, so settling the balance before the end of the term comes with a cost attached. Fixed-rate lending is standard on the site, 100%, which means the difference here sits in the exit terms rather than in the rate type. Ask what the early exit costs before you sign.
How much can I borrow, and for how long?+
Loan amounts run €100 to €10,000,000 and terms run 0.03 to 18. That is far shorter than the 36 months typical on the site, so a large balance has to clear quickly. Secured lending is the only type listed for this brand, and the rate is fixed rather than variable.
Who is Nebeus aimed at?+
A poor credit history is the stated starting point, and no credit check is run, so applicants with thin files are as welcome as those with strong ones. The catch is that you need something to put up: secured is the only lending offered, priced off the asset rather than your earnings.
How do I get help once I have an account?+
Support runs on help centre and email, so questions go through the help centre or email. Phone lines are more usual among secured lenders, 89.3%, which means a detailed repayment or security question will take a written reply rather than a quick call.
Sources
- nebeus.com checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Lender type, Licences
“Founded in 2014”
- nebeus.com/loans checked September 26, 2026
Backs: Loan amount, APR, Credit check, Credit needed, Features, Free early repayment, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Support channels, Term
“StableLoan: Loan amount (€100-€10,000,000) EUR ... Collateral USDC ... Interest 4%”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Representative example.